Toyota Tundra Insurance Rates

The average Toyota Tundra insurance costs drivers $1,468 a year for full coverage. This figure is based on a variety of individual factors such as your age, location, and the model year of your car. For example, 2018 Toyota Tundra insurance costs less than the newest model.

In order to help you secure the best Toyota Tundra car insurance rates and policy, we have compiled a lot of helpful information in this guide. Start reading through the information below so you can finally answer the question, “How much does a Toyota Tundra?” cost for yourself.

You can even start comparing Toyota Tundra insurance quotes from multiple companies by entering your ZIP code into our free tool.

Estimated insurance rates for a Toyota Tundra are $1,442 a year for full coverage. Comprehensive insurance costs on average $306 a year, collision insurance costs $506, and liability is estimated at $450. A policy with only liability insurance costs approximately $518 a year, and a high-risk policy costs $3,106 or more. 16-year-old drivers pay the most at up to $5,420 a year.

Average premium for full coverage: $1,442

Premium estimates by type of coverage:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and Tundra trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than congested cities. The diagram below illustrates how your location can change car insurance rates.

These rate differences show why it is important to get quotes based on a specific location, instead of making a decision based on rate averages.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below shows average Toyota Tundra insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $843
• Choosing higher $1,000 deductibles can save around $1,260 a year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,442
• Buying low $100 deductibles for comp and collision coverage will cost an additional $358 annually
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,106
• An auto insurance policy that insures a 16-year-old driver may cost $5,420 each year

View Chart as Image

Car insurance prices for a Toyota Tundra also have a wide range based on the trim level of your Tundra, how you drive, and policy deductibles and limits.

If you have a few violations or you caused an accident, you could be paying at a minimum $1,700 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy ranges from 42% to 131% more than the average rate. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged upwards of $5,400 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Toyota Tundra insurance prices. A good driver about age 40 could pay as low as $950 a year in states like Idaho, Maine, and Iowa, or at least $2,060 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles can save as much as $540 annually, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $405 extra every 12 months. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Best Toyota Tundra Insurance

Finding better rates on insurance for a Toyota Tundra takes being a good driver, having a positive credit history, not filing small claims, and possibly raising deductibles. Comparison shop every time your policy renews by requesting rates from direct carriers, and also from local exclusive and independent agents.

The following list is a brief recap of the information illustrated above.

• Drivers can save as much as $170 per year just by quoting early and online
• Drivers age 16 to 20 are expensive to insure, as much as $452 per month if full coverage is purchased
• Increasing policy deductibles can save approximately $550 each year
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,660 more each year than a safer driver
• Insureds who require an increased level of liability coverage will pay around $500 each year to raise limits from 30/60 bodily injury limits to the 250/500 level

Some might asking, “How much does a fully loaded Toyota Tundra cost?” It has one of the highest priced pickup trucks at $33,500 and up in depending on the year.

What problems do Toyota Tundras have? The most common issues reported to RepairPal included:

• Ticking Noise From Failed Exhaust Manifold (260 people have reported this)
• Toyota Recall For Lower Ball Joint Issue (199 people have reported this)
• AIR injection Pump failure (136 people have reported this)
• Oxygen Sensor May Fail (123 people have reported this)
• All other reports issues were under 30 reports.

Now that you have a better understanding of how Toyota Tundra car insurance rates are determined, the next step is to find out what your policy might look like. Take advantage of our free quote tool below to compare Toyota Tundra insurance costs from top companies.

What are the safety ratings of the Toyota Tundra?

The safety ratings of the Toyota Tundra are important to know because positive scores translate to lower insurance rates. 

Take a look at the Toyota Tundra’s crash test ratings as determined by the Insurance Insitute for Highway Safety.

• Small overlap front (driver-side): Marginal
• Small overlap front (passenger-side): Poor
• Moderate overlap front: Good
• Side: Good
• Roof strength: Acceptable
• Head restraints and seats: Good

As you can see, the crash test results of the Toyota Tundra are a mixed bag. Some parts of the truck performed well while both sides of the overlap front have room for improvement.

Toyota Tundra Compared Against Other Vehicles in the Same Class

Since the Insurance Institute for Highway Safety classifies the Toyota Tundra as a large pickup truck, there is plenty of competition in this vehicle segment. 

Take a look at the following three pickups that are comparable to the Toyota Tundra. By doing so, you will begin to see what average insurance rates look like for this vehicle segment.

• Chevrolet Silverado
• Nissan Titan
• RAM 1500

We have uncovered a lot of information about the Toyota Tundra, so is there anything we might’ve missed? If not, start comparing Toyota Tundra insurance rates from multiple companies by using our free online quote tool.